Bread Financial Holdings, Inc. (BFH) Stock Price & Analysis
Bread Financial Holdings, Inc. (BFH) rose 0.70% to USD 104.31 as of July 26, 2026 at 05:03 UTC, according to Nexqual real-time market data.
BFH last closed at USD 103.58; the session ranged USD 99.43–104.46 on volume of 729,393 shares. Market capitalization is $4.21B, with a 52-week range of USD 53.83–109.91 (NYQ). Source: Nexqual, July 26, 2026 at 05:03 UTC.
Key Statistics (as of July 26, 2026 at 05:03 UTC)
| Price | USD 104.31 |
|---|---|
| Change | ▲ 0.70% (up) |
| Previous Close | USD 103.58 |
| Open | USD 101.32 |
| Day Range | USD 99.43 – 104.46 |
| 52-Week Range | USD 53.83 – 109.91 |
| Volume | 729,393 shares |
| Market Cap | $4.21B |
| Exchange | NYQ |
Technical Analysis (BFH)
Nexqual's technical model rates BFH "BUY" based on 5 bullish and 1 bearish signals across 125 daily candles, as of July 26, 2026 at 05:03 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 65.14 (neutral) |
| vs SMA50 | Above (USD 96.64) |
| MACD | 1.17 (positive) |
Analyst Ratings (BFH)
Wall Street analysts rate BFH "Buy" based on 15 analysts, with a mean price target of USD 112.4 (range USD 79–132), per Nexqual as of July 26, 2026 at 05:03 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 15 |
| Mean Target | USD 112.4 |
| High Target | USD 132 |
| Low Target | USD 79 |
| Buy / Hold / Sell | 8 / 8 / 1 |
Earnings (BFH)
| Next Earnings Date | 2026-10-22 |
|---|---|
| EPS Estimate | USD 3.4 |
| Revenue Estimate | $1.01B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 3.55 vs est 2.77 ▲ beat |
| 2026-03-31 | USD 4.18 vs est 3.05 ▲ beat |
| 2025-12-31 | USD 2.07 vs est 0.48 ▲ beat |
| 2025-09-30 | USD 4.02 vs est 2.11 ▲ beat |
Source: Nexqual, July 26, 2026 at 05:03 UTC.
Financials & Fundamentals (BFH)
| Total Revenue | $2.67B |
|---|---|
| Revenue Growth (YoY) | +3.80% |
| Gross Margin | +0.00% |
| Operating Margin | +28.97% |
| Profit Margin | +21.36% |
Source: Nexqual, July 26, 2026 at 05:03 UTC.
Financial Health Score (BFH)
Nexqual rates Bread Financial Holdings, Inc.'s overall financial health "Weak" across five dimensions, as of July 26, 2026 at 05:03 UTC.
| Growth | Mixed — Revenue +0.2% YoY (annual), slow |
|---|---|
| Profitability | Critical — Gross margin 0% |
| Balance Sheet | Mixed — No data |
| Cash Flow | Mixed — No data |
| Efficiency | Mixed — No data |
Ownership (BFH)
| Insider Ownership | +1.41% |
|---|---|
| Institutional Ownership | +116.93% |
| Shares Outstanding | 40.41M |
| Float | 42.42M |
| Short % of Float | +0.03% |
Source: Nexqual, July 26, 2026 at 05:03 UTC.
Leadership (BFH)
Bread Financial Holdings, Inc. is led by Ralph J. Andretta (age 64), President, CEO & Director, per Nexqual as of July 26, 2026 at 05:03 UTC.
| President, CEO & Director | Ralph J. Andretta (age 64) |
|---|---|
| Executive VP & CFO | Perry S. Beberman (age 59) |
| Executive VP & CTO | Allegra S. Driscoll (age 46) |
Major Backers & Investors (BFH)
Notable institutional backers of Bread Financial Holdings, Inc. include American Century Companies Inc, Turtle Creek Asset Management Inc., Franklin Resources, Inc., according to Nexqual as of July 26, 2026 at 05:03 UTC.
Active Investors
| Investor | Stake |
|---|---|
| American Century Companies Inc | 7.73% |
| Turtle Creek Asset Management Inc. | 6.02% |
| Franklin Resources, Inc. | 2.84% |
| PIMCO Equity Series-PIMCO RAE US Small Fund | 2.03% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| Vanguard Group | 19.72% |
| BlackRock | 15.69% |
| Dimensional Fund Advisors | 7.64% |
| State Street | 4.37% |
| Allianz Asset Management GmbH | 3.33% |
| Geode Capital | 2.93% |
Source: Nexqual, July 26, 2026 at 05:03 UTC.
From Bread Financial Holdings, Inc.'s Latest SEC 10-K Filing (filed 2026-02-13)
Key Strengths & Strategy (as disclosed to the SEC)
- Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America.
- It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships.
- The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services.
- In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| JXN | Jackson Financial Inc. | USD 119.28 | ▼ 3.61% |
| AUB | Atlantic Union Bankshares Corpo | USD 42.23 | ▼ 0.26% |
| ENVA | Enova International, Inc. | USD 237.27 | ▲ 6.64% |
| PIPR | Piper Sandler Companies | USD 76.09 | ▼ 0.22% |
| FHI | Federated Hermes, Inc. | USD 57.92 | ▲ 0.47% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 26, 2026 at 05:03 UTC. This page is informational and not investment advice.